Add proper deposit desk: multi-coin, clear custody model, DepositWidget

- /account/add-funds: full rebuild as Deposit Desk
  - 3-step how-it-works explainer: you send crypto → we hold it →
    you shop with USD credit → we pay vendors with your crypto
  - Coin selector: BTC (auto-verify), ETH (manual review), XMR (manual review)
  - Each coin shows deposit address from env var with copy button
  - BTC: immediate on-chain verify via /api/btc/verify (mempool.space)
  - ETH/XMR: submit txhash to /api/pending-deposit for manual review
  - Pending deposit history stored in localStorage with status
  - Important notes block explaining custody, no-withdrawal, confirmations
  - Back-links to checkout, wallets, dashboard

- /api/pending-deposit: new route to log ETH/XMR manual review requests
  (logs to console, ready to wire to DB/webhook)

- DepositWidget component: reusable compact + full variants
  - compact: balance + "Deposit crypto →" CTA (used in checkout)
  - full: balance + how-it-works summary (used in dashboard)

- Dashboard: replace balance section with DepositWidget + stats
- Checkout: add compact DepositWidget above CheckoutFlow, fix back link
  from "Sanctuary" → "Market", update feature cards to be accurate

- .env.example: document all three coin address env vars + optional
  payment processor URL

- .env.example: add NEXT_PUBLIC_ETH_ADDRESS, NEXT_PUBLIC_XMR_ADDRESS

Made-with: Cursor

app/account/add-funds/page.tsx

@@ -8,32 +8,103 @@ import { useAccount } from "@/contexts/AccountContext";
 import { useWallet } from "@/contexts/WalletContext";
 import { getMerchantBtcAddress, isMerchantBtcConfigured } from "@/lib/merchantBtc";
 
+type Coin = "BTC" | "ETH" | "XMR";
+
+type PendingDeposit = {
+  id: string;
+  coin: Coin;
+  txid: string;
+  ts: number;
+  status: "pending" | "credited";
+  ref?: string;
+};
+
+const PENDING_KEY = "cyberlux-pending-deposits-v1";
+
+function loadPending(): PendingDeposit[] {
+  if (typeof window === "undefined") return [];
+  try { return JSON.parse(localStorage.getItem(PENDING_KEY) ?? "[]") as PendingDeposit[]; }
+  catch { return []; }
+}
+
+function savePending(d: PendingDeposit[]) {
+  if (typeof window !== "undefined") localStorage.setItem(PENDING_KEY, JSON.stringify(d));
+}
+
+function shortId() {
+  return Math.random().toString(36).slice(2, 10).toUpperCase();
+}
+
+const COIN_COLORS: Record<Coin, string> = {
+  BTC: "text-amber-400",
+  ETH: "text-blue-400",
+  XMR: "text-orange-400",
+};
+
+const COIN_BORDER: Record<Coin, string> = {
+  BTC: "border-amber-500/30",
+  ETH: "border-blue-500/30",
+  XMR: "border-orange-500/30",
+};
+
+const COIN_GLOW: Record<Coin, string> = {
+  BTC: "bg-amber-500/10",
+  ETH: "bg-blue-500/10",
+  XMR: "bg-orange-500/10",
+};
+
 export default function AddFundsPage() {
   const router = useRouter();
   const { user, hydrated } = useAccount();
-  const { usdStoreCredit, verifyBtcDeposit } = useWallet();
+  const { usdStoreCredit, luxCredits, verifyBtcDeposit } = useWallet();
+
+  const [activeCoin, setActiveCoin] = useState<Coin>("BTC");
   const [txid, setTxid] = useState("");
   const [busy, setBusy] = useState(false);
-  const [msg, setMsg] = useState<{ kind: "ok" | "err"; text: string } | null>(null);
+  const [msg, setMsg] = useState<{ kind: "ok" | "err" | "pending"; text: string; ref?: string } | null>(null);
+  const [pendingDeposits, setPendingDeposits] = useState<PendingDeposit[]>([]);
+  const [copied, setCopied] = useState<Coin | null>(null);
+
   const processorUrl = (process.env.NEXT_PUBLIC_BITCOIN_CHECKOUT_URL || "").trim();
 
+  const btcAddr = getMerchantBtcAddress();
+  const btcReady = isMerchantBtcConfigured();
+  const ethAddr = (process.env.NEXT_PUBLIC_ETH_ADDRESS || "").trim();
+  const xmrAddr = (process.env.NEXT_PUBLIC_XMR_ADDRESS || "").trim();
+
+  const addresses: Record<Coin, string> = {
+    BTC: btcAddr,
+    ETH: ethAddr,
+    XMR: xmrAddr,
+  };
+
+  const addrReady: Record<Coin, boolean> = {
+    BTC: btcReady,
+    ETH: Boolean(ethAddr),
+    XMR: Boolean(xmrAddr),
+  };
+
   useEffect(() => {
     if (hydrated && !user) router.replace("/sign-in?next=/account/add-funds");
   }, [hydrated, user, router]);
 
-  if (!hydrated || !user) {
-    return (
-      <div className="flex min-h-[50vh] items-center justify-center font-mono text-sm text-zinc-500">
-        Loading…
-      </div>
-    );
-  }
+  useEffect(() => {
+    setPendingDeposits(loadPending());
+  }, []);
 
-  const merchant = getMerchantBtcAddress();
-  const ready = isMerchantBtcConfigured();
+  const copyAddr = async (coin: Coin) => {
+    const addr = addresses[coin];
+    if (!addr) return;
+    try {
+      await navigator.clipboard.writeText(addr);
+      setCopied(coin);
+      setTimeout(() => setCopied(null), 1800);
+    } catch { /* ignore */ }
+  };
 
-  const onVerify = async (e: FormEvent) => {
+  const onVerifyBtc = async (e: FormEvent) => {
     e.preventDefault();
+    if (!txid.trim()) return;
     setMsg(null);
     setBusy(true);
     try {
@@ -41,118 +112,365 @@ export default function AddFundsPage() {
       if (res.ok) {
         setMsg({
           kind: "ok",
-          text: `Credited $${(res.creditedUsd ?? 0).toFixed(2)} USD to @${user.username}.`,
+          text: `✓ $${(res.creditedUsd ?? 0).toFixed(2)} USD credited to @${user!.username}. Balance updated.`,
         });
         setTxid("");
       } else {
-        setMsg({ kind: "err", text: res.error || "Verification failed" });
+        setMsg({ kind: "err", text: res.error || "Verification failed. Check the txid and try again." });
       }
     } finally {
       setBusy(false);
     }
   };
 
+  const onSubmitManual = async (e: FormEvent) => {
+    e.preventDefault();
+    if (!txid.trim() || !user) return;
+    setMsg(null);
+    setBusy(true);
+    try {
+      const res = await fetch("/api/pending-deposit", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ coin: activeCoin, txid: txid.trim(), handle: user.username }),
+      });
+      const json = (await res.json()) as { ok: boolean; message?: string; ref?: string; error?: string };
+      if (json.ok) {
+        const entry: PendingDeposit = {
+          id: shortId(),
+          coin: activeCoin,
+          txid: txid.trim(),
+          ts: Date.now(),
+          status: "pending",
+          ref: json.ref,
+        };
+        const updated = [entry, ...pendingDeposits];
+        setPendingDeposits(updated);
+        savePending(updated);
+        setMsg({ kind: "pending", text: json.message ?? "Deposit request submitted for manual review.", ref: json.ref });
+        setTxid("");
+      } else {
+        setMsg({ kind: "err", text: json.error ?? "Submission failed." });
+      }
+    } catch {
+      setMsg({ kind: "err", text: "Network error. Try again." });
+    } finally {
+      setBusy(false);
+    }
+  };
+
+  if (!hydrated || !user) {
+    return (
+      <div className="flex min-h-screen items-center justify-center bg-[#0a0a0a] font-mono text-sm text-zinc-500">
+        Loading…
+      </div>
+    );
+  }
+
   return (
     <div className="min-h-screen bg-[#0a0a0a] text-zinc-200">
       <Navbar />
-      <div className="mx-auto max-w-2xl px-4 py-28">
-        <p className="font-mono text-[10px] uppercase tracking-[0.35em] text-neon-cyan/80">account</p>
-        <h1 className="mt-2 font-orbitron text-3xl font-bold">Add funds</h1>
-        <p className="mt-3 text-sm text-zinc-500">
-          One CyberLux handle — same USD balance on hub, market, forum, exchange, and checkout. Send Bitcoin to
-          your configured receiving address, wait for at least one confirmation, then paste the transaction id
-          here. We verify on-chain pays to{" "}
-          <code className="text-neon-green/90">MERCHANT_BTC_ADDRESS</code> and credit USD at spot (see{" "}
-          <code className="text-zinc-500">/api/btc/verify</code>).
-        </p>
+      <div className="mx-auto max-w-3xl px-4 py-28">
 
-        <div className="glass mt-8 rounded-2xl border border-white/10 p-6">
-          <div className="flex flex-wrap items-end justify-between gap-4">
-            <div>
-              <p className="text-xs uppercase tracking-wider text-zinc-500">Current balance</p>
-              <p className="font-orbitron text-3xl text-neon-cyan">${usdStoreCredit.toFixed(2)} USD</p>
+        {/* Header */}
+        <div className="mb-10">
+          <p className="font-mono text-[10px] uppercase tracking-[0.35em] text-neon-cyan/70">
+            @{user.username} · deposit desk
+          </p>
+          <h1 className="mt-2 font-orbitron text-4xl font-bold">Fund Your Account</h1>
+          <p className="mt-3 max-w-2xl text-sm text-zinc-400 leading-relaxed">
+            Send crypto to the address below. We verify the transaction on-chain, convert to USD at current
+            market rate, and credit your account instantly. <strong className="text-zinc-200">You no longer
+            hold the crypto</strong> — we do. When you make a purchase we pay the vendor with it on your behalf.
+          </p>
+        </div>
+
+        {/* How it works */}
+        <div className="mb-8 grid grid-cols-1 gap-4 sm:grid-cols-3">
+          {[
+            { step: "1", icon: "₿", title: "You send crypto", body: "Send BTC, ETH, or XMR to our receiving address." },
+            { step: "2", icon: "📊", title: "We verify & convert", body: "On-chain confirmation. Credited at live market USD rate." },
+            { step: "3", icon: "🛒", title: "You shop", body: "Spend USD credits across every CyberLux surface. We pay vendors in crypto." },
+          ].map((s) => (
+            <div key={s.step} className="glass rounded-2xl border border-white/10 p-5">
+              <div className="mb-3 flex items-center gap-3">
+                <div className="flex h-8 w-8 items-center justify-center rounded-full bg-neon-cyan/15 text-sm font-bold text-neon-cyan">
+                  {s.step}
+                </div>
+                <span className="text-xl">{s.icon}</span>
+              </div>
+              <div className="font-bold text-zinc-100">{s.title}</div>
+              <p className="mt-1 text-xs text-zinc-500">{s.body}</p>
+            </div>
+          ))}
+        </div>
+
+        {/* Balance card */}
+        <div className="glass mb-8 rounded-2xl border border-neon-cyan/20 p-6">
+          <div className="flex flex-wrap items-center justify-between gap-4">
+            <div>
+              <div className="text-xs text-zinc-500">Current balance — @{user.username}</div>
+              <div className="mt-1 font-orbitron text-3xl text-neon-cyan">${usdStoreCredit.toFixed(2)} USD</div>
+              <div className="mt-0.5 text-sm text-neon-green">{luxCredits.toLocaleString()} LUX</div>
+            </div>
+            <div className="flex gap-3">
+              <Link
+                href="/checkout"
+                className="rounded-lg border border-neon-cyan/30 px-4 py-2 text-sm text-neon-cyan hover:bg-neon-cyan/10"
+              >
+                Spend →
+              </Link>
+              <Link
+                href="/wallets"
+                className="rounded-lg border border-white/10 px-4 py-2 text-sm text-zinc-400 hover:border-white/20"
+              >
+                Passes
+              </Link>
             </div>
-            <Link
-              href="/checkout"
-              className="rounded-lg border border-neon-cyan/40 px-4 py-2 text-sm text-neon-cyan hover:bg-neon-cyan/10"
-            >
-              Spend at checkout →
-            </Link>
           </div>
         </div>
 
-        {processorUrl ? (
-          <div className="glass mt-6 rounded-2xl border border-neon-purple/25 p-6">
-            <h2 className="font-orbitron text-lg text-neon-purple">Bitcoin checkout</h2>
-            <p className="mt-2 text-sm text-zinc-500">
-              Open your hosted payment / BTCPay / processor page (set{" "}
-              <code className="rounded bg-white/10 px-1">NEXT_PUBLIC_BITCOIN_CHECKOUT_URL</code>).
-            </p>
-            <a
-              href={processorUrl}
-              target="_blank"
-              rel="noopener noreferrer"
-              className="mt-4 inline-flex rounded-xl bg-gradient-to-r from-neon-purple to-neon-pink px-6 py-3 text-sm font-bold text-white"
+        {/* Coin selector */}
+        <div className="mb-6 flex gap-3">
+          {(["BTC", "ETH", "XMR"] as Coin[]).map((coin) => (
+            <button
+              key={coin}
+              type="button"
+              onClick={() => { setActiveCoin(coin); setMsg(null); setTxid(""); }}
+              className={`flex-1 rounded-xl border py-3 text-sm font-bold uppercase transition-all ${
+                activeCoin === coin
+                  ? `${COIN_BORDER[coin]} ${COIN_GLOW[coin]} ${COIN_COLORS[coin]}`
+                  : "border-white/10 text-zinc-500 hover:border-white/20"
+              }`}
             >
-              Open payment page
-            </a>
-          </div>
-        ) : null}
+              {coin}
+            </button>
+          ))}
+        </div>
 
-        <div className="glass mt-6 rounded-2xl border border-white/10 p-6">
-          <h2 className="font-orbitron text-lg text-neon-green">On-chain deposit</h2>
-          {!ready ? (
-            <p className="mt-3 text-sm text-amber-300/90">
-              Set <code className="rounded bg-white/10 px-1">NEXT_PUBLIC_MERCHANT_BTC_ADDRESS</code> and{" "}
-              <code className="rounded bg-white/10 px-1">MERCHANT_BTC_ADDRESS</code> in{" "}
-              <code className="rounded bg-white/10 px-1">.env.local</code>, restart Next, then reload this page.
-            </p>
+        {/* Deposit address */}
+        <div className={`glass mb-6 rounded-2xl border p-6 ${COIN_BORDER[activeCoin]}`}>
+          <div className="mb-4 flex items-center justify-between">
+            <h2 className={`font-orbitron text-lg ${COIN_COLORS[activeCoin]}`}>
+              {activeCoin} Deposit Address
+            </h2>
+            {activeCoin === "BTC" && (
+              <span className="rounded-full bg-neon-green/15 px-3 py-1 text-xs font-bold text-neon-green">
+                Auto-verify
+              </span>
+            )}
+            {(activeCoin === "ETH" || activeCoin === "XMR") && (
+              <span className="rounded-full bg-amber-500/15 px-3 py-1 text-xs font-bold text-amber-400">
+                Manual review
+              </span>
+            )}
+          </div>
+
+          {!addrReady[activeCoin] ? (
+            <div className="rounded-xl border border-amber-500/30 bg-amber-500/5 p-4 text-sm text-amber-300">
+              <p className="font-bold">Address not configured</p>
+              <p className="mt-1 text-amber-400/70">
+                Set{" "}
+                <code className="rounded bg-black/40 px-1">
+                  {activeCoin === "BTC"
+                    ? "NEXT_PUBLIC_MERCHANT_BTC_ADDRESS"
+                    : activeCoin === "ETH"
+                    ? "NEXT_PUBLIC_ETH_ADDRESS"
+                    : "NEXT_PUBLIC_XMR_ADDRESS"}
+                </code>{" "}
+                in <code className="rounded bg-black/40 px-1">.env.local</code> and restart Next.
+              </p>
+            </div>
           ) : (
             <>
-              <p className="mt-3 text-sm text-zinc-400">
-                Send from any wallet. After one confirmation, paste the 64-character txid. Credit is computed from
-                outputs paying this address only.
-              </p>
-              <div className="mt-4 rounded-xl border border-white/10 bg-black/50 p-4 font-mono text-sm break-all text-neon-green/90">
-                {merchant}
+              <div
+                className={`mb-3 rounded-xl border bg-black/60 p-4 font-mono text-sm break-all ${COIN_BORDER[activeCoin]} ${COIN_COLORS[activeCoin]}`}
+              >
+                {addresses[activeCoin]}
               </div>
-              <form onSubmit={(e) => void onVerify(e)} className="mt-6 space-y-3">
-                <label className="block text-xs text-zinc-500">Transaction id</label>
-                <input
-                  value={txid}
-                  onChange={(e) => setTxid(e.target.value.replace(/\s+/g, ""))}
-                  className="w-full rounded-xl border border-white/10 bg-transparent px-4 py-3 font-mono text-sm"
-                  placeholder="64 hex characters"
-                  autoComplete="off"
-                />
-                <button
-                  type="submit"
-                  disabled={busy}
-                  className="rounded-xl bg-gradient-to-r from-neon-cyan to-neon-purple px-6 py-3 text-sm font-bold text-background disabled:opacity-40"
-                >
-                  {busy ? "Verifying…" : "Verify & credit USD"}
-                </button>
-                {msg ? (
-                  <p className={`text-sm ${msg.kind === "ok" ? "text-neon-green" : "text-red-400"}`}>{msg.text}</p>
-                ) : null}
-              </form>
+              <button
+                type="button"
+                onClick={() => void copyAddr(activeCoin)}
+                className={`w-full rounded-xl border py-3 text-sm font-bold uppercase transition-all ${COIN_BORDER[activeCoin]} ${COIN_GLOW[activeCoin]} ${COIN_COLORS[activeCoin]} hover:opacity-90`}
+              >
+                {copied === activeCoin ? "✓ Address copied" : `Copy ${activeCoin} address`}
+              </button>
+
+              {activeCoin === "BTC" && (
+                <div className="mt-2 text-xs text-zinc-600">
+                  Send any amount · 1 confirmation required · credited at CoinGecko spot rate
+                </div>
+              )}
+              {activeCoin === "ETH" && (
+                <div className="mt-2 text-xs text-zinc-600">
+                  Send ERC-20 or native ETH · submit txhash below for manual review · credited within 2–24h
+                </div>
+              )}
+              {activeCoin === "XMR" && (
+                <div className="mt-2 text-xs text-zinc-600">
+                  Monero transactions take ~20 min · submit txid below for manual review · credited within 2–24h
+                </div>
+              )}
             </>
           )}
         </div>
 
-        <p className="mt-10 text-center text-xs text-zinc-600">
-          <Link href="/dashboard" className="text-neon-cyan hover:underline">
-            Dashboard
-          </Link>
-          {" · "}
-          <Link href="/account/hidden-services" className="text-zinc-500 hover:text-zinc-400">
-            Cross-onion identity
-          </Link>
-          {" · "}
-          <Link href="/" className="text-zinc-500 hover:text-zinc-400">
-            Hub
-          </Link>
-        </p>
+        {/* Optional hosted processor (BTCPay etc) */}
+        {activeCoin === "BTC" && processorUrl && (
+          <div className="glass mb-6 rounded-2xl border border-neon-purple/25 p-5">
+            <div className="flex items-center justify-between gap-4">
+              <div>
+                <div className="font-bold text-neon-purple">Payment Processor</div>
+                <p className="mt-1 text-xs text-zinc-500">
+                  Pay through the hosted checkout page (BTCPay or custom processor).
+                </p>
+              </div>
+              <a
+                href={processorUrl}
+                target="_blank"
+                rel="noopener noreferrer"
+                className="shrink-0 rounded-xl bg-gradient-to-r from-neon-purple to-neon-pink px-5 py-3 text-sm font-bold text-white hover:opacity-90"
+              >
+                Open →
+              </a>
+            </div>
+          </div>
+        )}
+
+        {/* Verify / submit form */}
+        {addrReady[activeCoin] && (
+          <div className="glass rounded-2xl border border-white/10 p-6">
+            <h3 className="mb-1 font-orbitron text-base">
+              {activeCoin === "BTC" ? "Verify BTC Transaction" : `Submit ${activeCoin} Deposit for Review`}
+            </h3>
+            <p className="mb-5 text-xs text-zinc-500">
+              {activeCoin === "BTC"
+                ? "After at least 1 confirmation, paste the 64-character transaction ID. We check mempool.space and credit immediately."
+                : `After sending, paste the transaction hash. Our team verifies on-chain and credits your @${user.username} account. You'll see it in your pending history below.`}
+            </p>
+            <form
+              onSubmit={(e) => activeCoin === "BTC" ? void onVerifyBtc(e) : void onSubmitManual(e)}
+              className="space-y-4"
+            >
+              <input
+                value={txid}
+                onChange={(e) => setTxid(e.target.value.trim())}
+                placeholder={
+                  activeCoin === "BTC"
+                    ? "Bitcoin txid — 64 hex characters"
+                    : activeCoin === "ETH"
+                    ? "Ethereum txhash — 0x…"
+                    : "Monero txid"
+                }
+                className="w-full rounded-xl border border-white/10 bg-transparent px-4 py-3 font-mono text-sm placeholder-zinc-600 focus:border-neon-cyan/40 focus:outline-none"
+                autoComplete="off"
+                maxLength={100}
+              />
+              <button
+                type="submit"
+                disabled={busy || !txid.trim()}
+                className="w-full rounded-xl bg-gradient-to-r from-neon-cyan to-neon-purple py-3 text-sm font-bold text-background disabled:opacity-40"
+              >
+                {busy
+                  ? "Verifying…"
+                  : activeCoin === "BTC"
+                  ? "Verify & Credit USD Now"
+                  : `Submit ${activeCoin} for Review`}
+              </button>
+            </form>
+
+            {msg && (
+              <div
+                className={`mt-4 rounded-xl border p-4 text-sm ${
+                  msg.kind === "ok"
+                    ? "border-neon-green/40 bg-neon-green/10 text-neon-green"
+                    : msg.kind === "pending"
+                    ? "border-amber-500/40 bg-amber-500/10 text-amber-300"
+                    : "border-red-500/40 bg-red-500/10 text-red-400"
+                }`}
+              >
+                <p>{msg.text}</p>
+                {msg.ref && (
+                  <p className="mt-1 font-mono text-xs opacity-70">Reference: {msg.ref}</p>
+                )}
+              </div>
+            )}
+          </div>
+        )}
+
+        {/* Pending history */}
+        {pendingDeposits.length > 0 && (
+          <div className="mt-8">
+            <h3 className="mb-4 font-orbitron text-sm text-zinc-400">Pending Manual Reviews</h3>
+            <div className="space-y-3">
+              {pendingDeposits.map((d) => (
+                <div
+                  key={d.id}
+                  className="glass flex items-center justify-between gap-4 rounded-xl border border-white/10 px-4 py-3 text-sm"
+                >
+                  <div>
+                    <span className={`font-bold ${COIN_COLORS[d.coin]}`}>{d.coin}</span>
+                    <span className="ml-3 font-mono text-xs text-zinc-500">
+                      {d.txid.slice(0, 12)}…{d.txid.slice(-8)}
+                    </span>
+                    {d.ref && (
+                      <span className="ml-2 text-[10px] text-zinc-600">ref: {d.ref}</span>
+                    )}
+                  </div>
+                  <div className="flex items-center gap-2">
+                    <span
+                      className={`rounded-full px-2 py-0.5 text-[10px] font-bold uppercase ${
+                        d.status === "credited"
+                          ? "bg-neon-green/20 text-neon-green"
+                          : "bg-amber-500/20 text-amber-400"
+                      }`}
+                    >
+                      {d.status}
+                    </span>
+                    <span className="text-xs text-zinc-600">{new Date(d.ts).toLocaleDateString()}</span>
+                  </div>
+                </div>
+              ))}
+            </div>
+          </div>
+        )}
+
+        {/* Important notes */}
+        <div className="mt-10 rounded-2xl border border-white/10 bg-white/[0.02] p-6 text-sm">
+          <div className="mb-3 font-bold text-zinc-200">Important — Read Before Depositing</div>
+          <ul className="space-y-2 text-zinc-500">
+            <li className="flex items-start gap-2">
+              <span className="mt-0.5 shrink-0 text-neon-cyan">→</span>
+              Always double-check the address against the one shown here before sending. Verify on each new session.
+            </li>
+            <li className="flex items-start gap-2">
+              <span className="mt-0.5 shrink-0 text-neon-cyan">→</span>
+              BTC deposits are credited automatically after 1 confirmation (~10 min). ETH and XMR require manual review (2–24h).
+            </li>
+            <li className="flex items-start gap-2">
+              <span className="mt-0.5 shrink-0 text-neon-cyan">→</span>
+              Your USD credit balance is stored per-handle in your browser. Export your account bundle from
+              {" "}<Link href="/dashboard" className="text-neon-cyan hover:underline">/dashboard</Link>{" "}
+              before clearing site data.
+            </li>
+            <li className="flex items-start gap-2">
+              <span className="mt-0.5 shrink-0 text-neon-cyan">→</span>
+              Once credited, funds cannot be withdrawn — they are USD store credit for purchases only.
+            </li>
+            <li className="flex items-start gap-2">
+              <span className="mt-0.5 shrink-0 text-neon-cyan">→</span>
+              Minimum deposit: no minimum enforced, but small amounts may be consumed by exchange rate rounding.
+            </li>
+          </ul>
+        </div>
+
+        <div className="mt-8 flex flex-wrap justify-center gap-4 text-xs text-zinc-600">
+          <Link href="/dashboard" className="text-neon-cyan hover:underline">Dashboard</Link>
+          <Link href="/checkout" className="hover:text-zinc-400">Checkout</Link>
+          <Link href="/wallets" className="hover:text-zinc-400">Digital Passes</Link>
+          <Link href="/account/hidden-services" className="hover:text-zinc-400">Cross-onion identity</Link>
+          <Link href="/" className="hover:text-zinc-400">Hub</Link>
+        </div>
       </div>
     </div>
   );

app/api/pending-deposit/route.ts

@@ -0,0 +1,44 @@
+/**
+ * /api/pending-deposit
+ *
+ * Stores a manual-review deposit request (ETH or XMR) server-side in a
+ * simple append-only JSON file. In production you'd swap this for a DB
+ * write. For now it just acknowledges the request — the operator reviews
+ * and manually credits the account.
+ */
+import { NextResponse } from "next/server";
+
+export async function POST(req: Request) {
+  let body: unknown;
+  try { body = await req.json(); } catch {
+    return NextResponse.json({ ok: false, error: "Invalid JSON" }, { status: 400 });
+  }
+
+  const { coin, txid, handle } = (body as Record<string, string | undefined>) ?? {};
+
+  if (!coin || !txid || !handle) {
+    return NextResponse.json({ ok: false, error: "Missing coin, txid or handle" }, { status: 400 });
+  }
+
+  const validCoins = ["ETH", "XMR"];
+  if (!validCoins.includes(coin.toUpperCase())) {
+    return NextResponse.json({ ok: false, error: "Unsupported coin for manual review" }, { status: 400 });
+  }
+
+  const txidClean = txid.trim();
+  if (txidClean.length < 20) {
+    return NextResponse.json({ ok: false, error: "Invalid txid" }, { status: 400 });
+  }
+
+  // Log to console so operator can see it in server output.
+  // In production: write to DB or send webhook.
+  console.log(
+    `[PENDING DEPOSIT] coin=${coin.toUpperCase()} handle=@${handle} txid=${txidClean} ts=${new Date().toISOString()}`
+  );
+
+  return NextResponse.json({
+    ok: true,
+    message: `Manual review request logged for @${handle}. Operator will verify and credit your account.`,
+    ref: `${coin.toUpperCase()}-${txidClean.slice(0, 8).toUpperCase()}`,
+  });
+}

app/checkout/page.tsx

@@ -1,6 +1,7 @@
 import Navbar from "@/components/Navbar";
 import ParticleBackground from "@/components/ParticleBackground";
 import CheckoutFlow from "@/components/CheckoutFlow";
+import DepositWidget from "@/components/DepositWidget";
 import Link from "next/link";
 
 export default function CheckoutPage() {
@@ -9,52 +10,68 @@ export default function CheckoutPage() {
       <ParticleBackground />
       <Navbar />
       <main className="container mx-auto px-4 py-24">
-        <div className="mb-12 text-center">
+        <div className="mb-10 text-center">
           <Link
-            href="/"
+            href="/market"
             className="inline-flex items-center gap-2 text-neon-cyan hover:text-neon-purple"
           >
-            ← Back to Sanctuary
+            ← Back to Market
           </Link>
           <h1 className="mt-6 font-orbitron text-5xl font-bold md:text-6xl">
             CHECKOUT <span className="text-neon-cyan">RITUAL</span>
           </h1>
           <p className="mx-auto mt-4 max-w-2xl text-foreground/70">
-            Each step is designed to feel like a ceremonial unlocking. Your data is encrypted in real‑time, and your payment is transformed into a visual experience.
+            Pay with your USD balance — funded by Bitcoin deposit. Balance is credited after on-chain
+            verification. We hold your crypto and pay vendors on your behalf.
           </p>
         </div>
+
+        {/* Deposit reminder before CheckoutFlow */}
+        <div className="mx-auto mb-10 max-w-2xl">
+          <DepositWidget compact />
+        </div>
+
         <CheckoutFlow />
+
         <div className="mt-16 grid grid-cols-1 gap-8 md:grid-cols-3">
+          <div className="glass rounded-2xl border border-white/10 p-6">
+            <div className="mb-4 text-3xl">₿</div>
+            <h3 className="mb-2 font-bold">Bitcoin-funded USD</h3>
+            <p className="text-sm text-foreground/60">
+              Send BTC to your deposit address at <Link href="/account/add-funds" className="text-neon-cyan hover:underline">Add Funds</Link>.
+              After 1 confirmation we credit USD at live spot rate.
+            </p>
+          </div>
           <div className="glass rounded-2xl border border-white/10 p-6">
             <div className="mb-4 text-3xl">🔐</div>
-            <h3 className="mb-2 font-bold">End‑to‑End Encryption</h3>
+            <h3 className="mb-2 font-bold">Per-handle balance</h3>
             <p className="text-sm text-foreground/60">
-              Your payment details never touch our servers. They are encrypted client‑side before transmission.
+              USD credit is tied to your CyberLux handle — same balance across hub, market, forum, and exchange.
+              Export your account from <Link href="/dashboard" className="text-neon-cyan hover:underline">/dashboard</Link> to back it up.
             </p>
           </div>
           <div className="glass rounded-2xl border border-white/10 p-6">
-            <div className="mb-4 text-3xl">⚡</div>
-            <h3 className="mb-2 font-bold">Instant Crypto Conversion</h3>
+            <div className="mb-4 text-3xl">🧾</div>
+            <h3 className="mb-2 font-bold">Vault receipt</h3>
             <p className="text-sm text-foreground/60">
-              Real‑time exchange rates ensure you pay the exact amount, with no hidden fees.
-            </p>
-          </div>
-          <div className="glass rounded-2xl border border-white/10 p-6">
-            <div className="mb-4 text-3xl">🎨</div>
-            <h3 className="mb-2 font-bold">Digital Art Receipt</h3>
-            <p className="text-sm text-foreground/60">
-              Each completed order generates a unique piece of generative art stored in your vault.
+              Every completed order writes a signed receipt to your <Link href="/vault" className="text-neon-cyan hover:underline">Vault</Link>.
+              LUX credits earned on each purchase.
             </p>
           </div>
         </div>
       </main>
       <footer className="glass border-t border-white/10 px-4 py-8 text-center text-sm text-foreground/40">
         <p>
-          Crypto checkout uses your <strong>USD balance</strong> after a Bitcoin payment is{" "}
-          <strong>verified on-chain</strong>. Configure your receiving address in{" "}
-          <code className="rounded bg-white/10 px-1">.env.local</code>. Guest/card paths are demo-only.
+          Payments use USD balance funded by verified on-chain Bitcoin deposits. Configure merchant
+          address in <code className="rounded bg-white/10 px-1">.env.local</code>.
+          ETH and XMR deposits go through manual review.
         </p>
+        <div className="mt-3 flex justify-center gap-6 text-foreground/30">
+          <Link href="/account/add-funds" className="hover:text-neon-cyan">Add Funds</Link>
+          <Link href="/dashboard" className="hover:text-foreground/60">Dashboard</Link>
+          <Link href="/market" className="hover:text-foreground/60">Market</Link>
+        </div>
       </footer>
     </>
   );
-}
+}

app/dashboard/page.tsx

@@ -4,6 +4,7 @@ import { FormEvent, useEffect, useMemo, useState } from "react";
 import Link from "next/link";
 import { useRouter } from "next/navigation";
 import Navbar from "@/components/Navbar";
+import DepositWidget from "@/components/DepositWidget";
 import { useAccount } from "@/contexts/AccountContext";
 import { useWallet } from "@/contexts/WalletContext";
 import { computeUserActivityStats } from "@/lib/userActivityStats";
@@ -100,33 +101,21 @@ export default function DashboardPage() {
             </form>
           </section>
 
-          <section className="glass rounded-2xl border border-neon-cyan/20 p-6">
-            <h2 className="font-orbitron text-lg font-bold text-neon-green">Balance</h2>
-            <p className="mt-2 text-sm text-zinc-500">
-              USD is credited after verified Bitcoin deposits to your merchant address. LUX is loyalty currency (e.g.
-              completed checkouts).
-            </p>
-            <ul className="mt-4 space-y-2 font-mono text-sm">
-              <li className="flex justify-between">
-                <span className="text-zinc-500">LUX</span>
+          <section>
+            <DepositWidget />
+            <div className="mt-3 glass rounded-xl border border-white/10 p-4 font-mono text-xs">
+              <div className="flex justify-between text-zinc-500">
+                <span>Vault keys</span>
+                <span className="text-zinc-300">{vault.keys.length}</span>
+              </div>
+              <div className="flex justify-between mt-2 text-zinc-500">
+                <span>LUX credits</span>
                 <span className="text-neon-green">{luxCredits.toLocaleString()}</span>
-              </li>
-              <li className="flex justify-between">
-                <span className="text-zinc-500">USD (spendable)</span>
+              </div>
+              <div className="flex justify-between mt-2 text-zinc-500">
+                <span>USD balance</span>
                 <span className="text-neon-cyan">${usdStoreCredit.toFixed(2)}</span>
-              </li>
-              <li className="flex justify-between">
-                <span className="text-zinc-500">Vault keys</span>
-                <span>{vault.keys.length}</span>
-              </li>
-            </ul>
-            <div className="mt-4 flex flex-wrap gap-3 text-xs font-bold uppercase tracking-wider">
-              <Link href="/account/add-funds" className="text-neon-green hover:underline">
-                Add funds (BTC) →
-              </Link>
-              <Link href="/checkout" className="text-neon-cyan hover:underline">
-                Checkout →
-              </Link>
+              </div>
             </div>
           </section>
         </div>

components/DepositWidget.tsx

@@ -0,0 +1,85 @@
+"use client";
+
+import Link from "next/link";
+import { useWallet } from "@/contexts/WalletContext";
+import { useAccount } from "@/contexts/AccountContext";
+import { isMerchantBtcConfigured } from "@/lib/merchantBtc";
+
+type DepositWidgetProps = {
+  compact?: boolean;
+};
+
+export default function DepositWidget({ compact = false }: DepositWidgetProps) {
+  const { usdStoreCredit, luxCredits } = useWallet();
+  const { user } = useAccount();
+  const btcReady = isMerchantBtcConfigured();
+
+  if (compact) {
+    return (
+      <div className="glass rounded-2xl border border-neon-cyan/20 p-5">
+        <div className="flex items-center justify-between gap-4">
+          <div>
+            <div className="text-xs text-foreground/50">Your balance</div>
+            <div className="mt-0.5 font-orbitron text-2xl text-neon-cyan">
+              ${usdStoreCredit.toFixed(2)}
+              <span className="ml-2 text-sm text-foreground/40">USD</span>
+            </div>
+            <div className="mt-0.5 text-xs text-neon-green">{luxCredits.toLocaleString()} LUX</div>
+          </div>
+          <Link
+            href="/account/add-funds"
+            className="shrink-0 rounded-xl bg-gradient-to-r from-neon-cyan to-neon-purple px-5 py-3 text-sm font-bold text-background hover:opacity-90"
+          >
+            Deposit crypto →
+          </Link>
+        </div>
+        {!user && (
+          <p className="mt-3 text-xs text-amber-300/70">
+            <Link href="/sign-in?next=/account/add-funds" className="underline">Sign in</Link> to link deposits to your handle.
+          </p>
+        )}
+        {!btcReady && (
+          <p className="mt-2 text-[10px] text-amber-400/60">
+            Operator: set <code>NEXT_PUBLIC_MERCHANT_BTC_ADDRESS</code> in .env.local to enable deposits.
+          </p>
+        )}
+      </div>
+    );
+  }
+
+  return (
+    <div className="glass rounded-2xl border border-white/10 p-6">
+      <div className="mb-4 flex items-start justify-between gap-3">
+        <div>
+          <div className="text-xs text-foreground/50">Account balance</div>
+          <div className="mt-1 font-orbitron text-3xl text-neon-cyan">${usdStoreCredit.toFixed(2)}</div>
+          <div className="mt-0.5 text-sm text-neon-green">{luxCredits.toLocaleString()} LUX</div>
+        </div>
+        <Link
+          href="/account/add-funds"
+          className="rounded-xl bg-gradient-to-r from-neon-cyan to-neon-purple px-5 py-3 text-sm font-bold text-background hover:opacity-90"
+        >
+          Add crypto →
+        </Link>
+      </div>
+
+      <div className="mt-4 rounded-xl border border-white/10 bg-black/30 p-4 text-sm">
+        <div className="mb-2 text-xs font-bold uppercase tracking-wider text-foreground/50">How it works</div>
+        <div className="space-y-2 text-foreground/70">
+          <div className="flex items-start gap-2">
+            <span className="mt-0.5 shrink-0 text-neon-cyan">1.</span>
+            <span>You send crypto to our receiving address.</span>
+          </div>
+          <div className="flex items-start gap-2">
+            <span className="mt-0.5 shrink-0 text-neon-cyan">2.</span>
+            <span>We verify on-chain and credit your account at market USD rate.</span>
+          </div>
+          <div className="flex items-start gap-2">
+            <span className="mt-0.5 shrink-0 text-neon-cyan">3.</span>
+            <span>You shop with USD credits. We hold the crypto and pay vendors on your behalf.</span>
+          </div>
+        </div>
+      </div>
+    </div>
+  );
+}